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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $231,298 | $183,592+26.0% | $155,574+48.7% | $145,877+58.6% |
| Participation rate | 62.5% | 82.7%-20.2pp | 78.2%-15.7pp | 80.3%-17.8pp |
| Annual return | 15.54% | 61.37%-45.8pp | 64.87%-49.3pp | 551.28%-535.7pp |
| Employer contribution / active EE | $11,156 | $5,317+109.8% | $4,676+138.6% | $4,663+139.2% |
| Participant deferral / active EE | $6,841 | $6,466+5.8% | $5,629+21.5% | $6,691+2.2% |
| Admin fee / account holder | $2,974 | $19,316-84.6% | $15,914-81.3% | $13,402-77.8% |